The only source for a truly free credit report is through www.annualcreditreport.com. This website was created in cooerperation with th Federal Government and the three major credit bureaus…TransUnion, Equifax and Experian. The Fair Credit Reporting Act requires each of these three companies to provide you with a free copy of your credit report, at your request, once every 12 months.
You can order your free credit report via internet, phone or mail.
Other websites that promote a “Free” credit report will require you to sign up for a free trial of their credit monitoring service, usually $70 to $100 per year. After your free trial expires, your
credit card will be billed. These credit monitoring services are not bad to have, just be aware that you will be charged after the trial if you don’t cancel.
Keep in mind that you free report WILL NOT include your FICO score. The intent with these free reports is to allow conusmers the ability to review their report for fraudulent activity.
During the process of ordering your report online, you will be given the option of ordering your credit score for an additional $6 to $8. This is about half the normal fee.
For additional information, review this webpage from the Federal Trade Commission… http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt156.shtm .
Answered over 6 years ago